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A C H BOUW

Active
Public limited companyfounded 200026 yrs activeDesguinlei 22, 2018 Antwerpen, BelgiumKBO/BCE: BE 0472.554.207
Summary

A C H BOUW has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.5m and a net result of -€799,701. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 60% of 1009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Risk analysisWatch ReportCompare
A C H BOUWActiveChecked score 63/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201NACE 45211
1 site
Size
€20.7mturnover 2025
Staff
29.1 FTE
Equity
€5.5m
Loss
-€799,701
Financial health
63 Healthy Checked score 2025
Bankruptcy chance 12 m
1.3%
Structure
Parent
A.C.H. BUILD · 99.86%
Board
2 members
Accounts filed 55 d late1 of 16 deeds read
Why 63- Latest accounts 55 days late; 1 of the last 3 late- Liquidity: current ratio 1.46, cash €393,316- Sector Construction of residential and non-residential buildings (NACE 41)- Loss of €799,701, the second in a row (FY 2025)Show the evidence

Checked score

Score 2025
63 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 28% of its sector peers (NACE 41, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 66-12
equity 41.0% of total assets
Liquidity 24-11
short-term debt 57.8% · cash 2.9%
Profitability 11+8
return on assets -5.9%
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (907 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%● 0.0% vs 12-2024 02-2025: 0.3%▼ -3.7% vs 01-2025lowest value 03-2025: 0.3%▲ +1.9% vs 02-2025 04-2025: 0.3%▲ +8.3% vs 03-2025 05-2025: 0.4%▲ +5.6% vs 04-2025 06-2025: 0.4%▲ +0.6% vs 05-2025 07-2025: 0.5%▲ +26.8% vs 06-2025 08-2025: 0.7%▲ +57.3% vs 07-2025 09-2025: 0.8%▲ +4.4% vs 08-2025 10-2025: 0.8%● 0.0% vs 09-2025 11-2025: 0.8%● 0.0% vs 10-2025 12-2025: 0.8%● 0.0% vs 11-2025 01-2026: 0.8%● 0.0% vs 12-2025 02-2026: 0.7%▼ -3.3% vs 01-2026 03-2026: 0.7%● 0.0% vs 02-2026 04-2026: 0.8%▲ +5.9% vs 03-2026 05-2026: 0.8%▲ +4.8% vs 04-2026 06-2026: 0.8%▲ +2.2% vs 05-2026 07-2026: 0.8%▲ +1.2% vs 06-2026 08-2026: 1.1%▲ +36.0% vs 07-2026 09-2026: 1.2%▲ +5.2% vs 08-2026 10-2026: 1.3%▲ +9.4% vs 09-2026highest value
  • Latest accounts 55 days late; 1 of the last 3 late raises the probability
  • Liquidity: current ratio 1.46, cash €393,316 raises the probability
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Loss of €799,701, the second in a row (FY 2025) raises the probability
Credit up to €340,000 at 30 days acceptable
Liquidity tight (current ratio 1.46 against 1.81 in 2024; short-term debt: 57.8% and cash: 2.9% of total assets), and 59% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, small). Better than this share of them on solvency 61%, liquidity 23%, profitability 6%, growth against the median 22%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Latest accounts 55 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Liquidity: current ratio 1.46, cash €393,316
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Loss of €799,701, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€799,701
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
55 d late
2024
13 d late
2023
16 d early
2022
25 d early
2021
31 d early
2020
22 d early
2019
60 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 5 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 16 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Reappointments: Jean-Pierre DHERTE (director and chair…Permanent representatives: Odile DHERTE, Eric…
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2025 -€799,701 View
  • Caution: Among the weakest 5% on net resultsector median €34,870 · 1,011 companies -€799,701 View
  • Controlled by A.C.H. BUILD 99.86% View
  • Positive: Result rose in 2025from -€1.4m to -€799,701 ▲ 42.0% View

By topic

Financials

Fiscal year
2025
Turnover
€20.7m
Loss
-€799,701
Solvency
41.0%
Turnover▼ 15.1%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 24-09-2026Annual accounts filed
  2. 23-03-2026Reappointments: Jean-Pierre DHERTE (director and chair of…
  3. 13-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
General construction of residential buildingsNACE 41001
Founded
09-08-2000
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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